Strict Liability Products – How to Protect Yourself

Strict liability products law means that if a product is defective and causes harm, the manufacturer, distributor, or seller can be held responsible—even if they were not negligent. This legal standard makes it easier for injured consumers to get compensation, but it also means that businesses face higher risks.

At Toby Hansen Agency, we search nearly 100 carriers to find the lowest price with the most coverage, so whether you’re a consumer or a business, you can protect yourself from the financial impact of defective product claims.

What Does Strict Liability Mean in Product Cases?

Strict liability applies when a defective product causes injury or property damage, regardless of the manufacturer’s intent or care during production.

A product can be defective due to:

• Manufacturing defects – Errors during production affecting specific units.

• Design defects – Flaws in the product’s blueprint affecting all units.

• Failure to warn – Missing or inadequate safety instructions.

Real-World Examples of Strict Liability Products

• A power tool that explodes due to faulty assembly.

• Children’s furniture that collapses because of weak materials.

• Kitchen appliances with wiring defects causing electrical fires.

Why Businesses Must Care About Strict Liability

If you manufacture, sell, or distribute products, you can be sued even without proof of negligence. Lawsuits can include:

• Medical expenses

• Property damage

• Lost wages

• Pain and suffering

Without the right product liability insurance, a single claim can financially ruin a small business.

How Consumers Can Protect Themselves

Even as a consumer, you can benefit from insurance. Homeowners or renters insurance may cover injuries or damages from defective products. Knowing your policy details can speed up compensation.

Steps to Take After a Defective Product Incident

1. Stop using the product immediately.

2. Document the defect with photos or video.

3. Keep receipts, packaging, and manuals.

4. Seek medical attention right away.

5. Contact an insurance agent or attorney to discuss your options.

Why Toby Hansen Agency Is Your Best Option

We understand the risks strict liability products pose. Our team compares nearly 100 insurance carriers to secure the best coverage at the lowest price, whether you are:

• A business owner needing product liability protection.

• A consumer wanting to safeguard against defective product injuries.

FAQ – Strict Liability Products

Q: Do I need to prove negligence to win a strict liability case?
A: No, you only need to prove the product was defective and caused harm.

Q: How much does product liability insurance cost?
A: Coverage can start at around $25/month, depending on the business type and coverage limits.

Q: Can retailers be held liable?
A: Yes, anyone in the distribution chain can be held responsible.

Protect yourself now—don’t wait until a product defect causes harm. Whether you’re a consumer looking for peace of mind or a business wanting protection, Toby Hansen Agency can help you get covered today.